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{Disarmed} Credit card, debit card, PayPal or Bizum? This is the safest option to avoid fraud when buying online

Credit card, debit card, PayPal or Bizum? This is the safest option to avoid fraud when buying online

SMS scams or phishing in payments in general are becoming more frequent every day. Although the security measures are also stronger, with the use of improved biometrics, one-time passwords and other verifications, there is a clear risk when buying online. Which alternative is safer , paying with a virtual card, with a credit or debit card, through PayPal or through Bizum?

I myself was one of the victims of CostoMóvil . After a long chase collecting documents, managing the complaint and "fighting" with the bank, I managed to shelve this bad experience. And that, the experience, has led me to write this article that I hope can help you.

How to catch a scam

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Although there is no foolproof system, first of all, the recommendation is obvious: common sense, be wary of bargains that are too juicy . There are offers and OFFERS, those that smell like a scam from miles away. As the old Spanish saying goes, "no one gives hard to pesetas".

However, it is easy to trip. Because nobody guarantees us that, in such a competitive market, we will not run into a discount that is too aggressive —but real—. You can trust something: our Hunting Bargains will never let you down.

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A new store, without or very few positive evaluations, with an unusual payment system —that only accept bank transfer, for example— , a seller without a fiscal domicile... these types of clues are capital to separate the renowned seller, with service post-sale, official guarantee and a clearly visible CIF of a new virtual merchant who only aspires to keep other people's money.

Advantages and disadvantages of a credit card

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No credit card —chargeable after a month in arrears— is especially safe, but it is more recommendable than later alternatives . Perhaps for this reason they have been relegated in favor of contactless mobile payments and smartwatches .

If you prefer to bet on this method, my recommendation is obvious: reduce the credit line limit to an affordable minimum of, for example, 500 euros per month. If you need to make a specific purchase, you can always increase the limit available exclusively for that transaction.

And although the conditions of the card are very onerous —zero commissions— pay attention to the possible forms of return. Every card contract must be attached to insurance that covers a minimum (theft, duplication, improper use, etc.).

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In any case, they are always more recommended than revolving cards. The deferred payment system grants greater flexibility but also higher commissions.

Advantages and disadvantages of a debit card


Debit means that everything you spend is what you have. But this type of card carries a handicap: each transaction is settled instantly . There is no confirmation and settlement period, a time where the system remains pending to confirm the legality of all transactions, in order to avoid fraud.

This limbo benefits customers, because it protects them more than in a purchase executed with a debit card, since if the money is stolen, they do it directly from your personal bank account .

Debit is, in short, an unrecommended option. However, you will also have purchase protection insurance —and purchase rejection— that each and every one of the banks in our country must abide by.

Advantages and disadvantages of buying using Bizum


Bizum is a payment service created from banking channels. That is, it must be verified and when we make an order, the process must be approved through two-step authentication , based on the new European regulation on electronic payment services (PSD2).

It is true that Bizum is usually used between known contacts, simply by entering the recipient's phone number, but that does not mean that it is a virtual wallet, like Bnext, Revolut or N26. Bizum is, de facto, a simplified bank transfer without commissions.

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It is, in short, one of the safest alternatives. However, in case of fraud, the procedure is the same: report it to the State Security Forces, attaching our ID and linked bank account.

Advantages and disadvantages of using PayPal


PayPal is one of the best options available, if not the best of all. PayPal has, in its user panel, a Resolution Center —where the dispute can be raised to a claim within 20 days , if we do not obtain a response from the seller— and a protection to the buyer of money return in case of non-satisfaction , fraudulent or fortuitous purchase.

You can also access Customer Service from its website or by calling the free phone number 900 801 665.

In conclusion, any transaction can be claimed and, as it is a formula born by and for online purchases, it is usually the most agile method in managing payments.

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The news Credit card, debit card, PayPal or Bizum? This is the safest option to avoid fraud when buying online was originally published in xiaomist by Isra Fdez .


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